Lower Your 2016 Lincoln MKZ Car Insurance Quotes

Trying to find cheaper insurance coverage rates? Buyers have a choice when searching for affordable Lincoln MKZ insurance. They can either spend hours calling around getting price quotes or use the internet to compare rates. There are more efficient ways to compare insurance coverage rates so we’re going to tell you the proper way to quote coverages on a Lincoln and find the lowest price from both online companies and local agents.

Do you qualify for discount auto insurance?

Companies don’t always advertise all possible discounts very well, so the list below gives a summary of some of the best known as well as some of the hidden discounts that you may qualify for.

  • Smart Student Discounts – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems could see savings of up to 25% or more.
  • Save over 55 – If you’re over the age of 55, you may receive a small discount on rates on MKZ insurance.
  • Low Mileage – Keeping the miles down on your Lincoln may allow you to get cheaper prices.
  • Accident Forgiveness – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Employee of Federal Government – Active or retired federal employment could provide a small rate reduction on MKZ insurance with select insurance companies.
  • Switch and Save Discount – Some larger companies reward drivers for signing up prior to your current policy expiration. It can save you around 10%.
  • Driver Training Discounts – Passing a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
  • Military Deployment Discount – Being on active deployment in the military can result in better premium rates.

Remember that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears all those discounts means the company will pay you, auto insurance companies aren’t that generous.

A list of companies and a selection of discounts are outlined below.

  • Mercury Insurance may offer discounts for location of vehicle, low natural disaster claims, good driver, multi-car, professional/association, type of vehicle, and ease of repair.
  • Farmers Insurance includes discounts for multi-car, youthful driver, alternative fuel, distant student, teen driver, switch companies, and electronic funds transfer.
  • Farm Bureau discounts include driver training, good student, youthful driver, multi-policy, multi-vehicle, 55 and retired, and renewal discount.
  • State Farm may have discounts that include Steer Clear safe driver discount, student away at school, driver’s education, defensive driving training, and accident-free.
  • Allstate has discounts for defensive driver, auto/life discount, economy car, EZ pay plan discount, early signing, and premier discount.
  • GEICO offers discounts including air bags, federal employee, anti-theft, daytime running lights, five-year accident-free, and membership and employees.

It’s a good idea to ask each company what discounts are available to you. Some credits may not apply in your area.

What insurance coverages do I need?

When buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • Do I really need UM/UIM coverage?
  • Are my friends covered when driving my car?
  • Is my teenager covered with friends in the car?
  • Is business equipment covered while in my vehicle?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Why you might not save $424 a year

Drivers can’t ignore all the ads that claim the best premium rates by 21st Century, Allstate and State Farm. All the companies advertise claims that drivers will save a bundle if you get a free car insurance quote and switch your car insurance policy to them.

How does every company make the same claim? It’s all in the numbers.

All companies require specific criteria for the type of driver that will most likely be profitable. For example, this type of driver might be described as over the age of 40, owns a home, and drives a lower-performance vehicle. Any driver who meets those qualifications may get the lowest premium rates and will most likely save if they switch.

People who fall outside the ideal profile may be forced to pay higher rates which leads to business going elsewhere. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can make those claims. Because every company is different, you should get price quotes at each policy renewal. It is impossible to guess which car insurance company will be your best fit.

Car insurance policy specifics

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like rehabilitation expenses, funeral costs, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – This coverage will pay to fix damage to your MKZ resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, crashing into a ditch, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage – This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims like court costs, repair costs for stationary objects, legal defense fees, loss of income and emergency aid. How much coverage you buy is your choice, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Smart shoppers get results

Cheaper 2016 Lincoln MKZ insurance can be bought online as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and many times these smaller providers work with local independent agencies.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford, but do not skimp to save money.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, high prices, an unsatisfactory settlement offer and poor customer service. Whatever your reason, choosing a new company is not as difficult as it may seem.

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